Hi there and welcome to another debt is no small matter confession, next week Friday would mark 2 months since I last shared my progress so far on this road to being debt free. I will start by saying it has not been easy but it also has not been hard, I have said this before but I thought I say it again. The easy part is that I have had a new motto since I started 'if you do not have it, you do not spend it', this has honestly worked better than I could have imagined over the last 12+ months since I took the plunge to be debt free. The hard part is having the self control and the determination to not fall off the wagon and go back into debt to satisfy a short term craving.

I mentioned in debt is no smaller matter 7 that I had just over £2000 left to pay off and I also explained my reason for not rushing to pay this off in one lump sump and instead start to enjoy life a bit more. I am not sure about you but for almost 3 years now I had worked to pay off my bills not to live a life and honestly that I think contributed to me putting myself into debt. I would work all waking days and when I got paid all the money was spoken for and nothing was in my name everything either belong to the landlord, the home bills or the debt agency nothing had my name and I was the one going 8-8 busting my backside off.

I have just over a £1000 left to pay off and I honestly feel very happy about it and if not a bit sad, I know you wondering why I am feeling sad. Over the last year or saw I had developed big time on how to manage the debt that I had and not so much how not to get back into it. I am not saying I will be jumping right back into it I am saying it will or might be just a little bit harder to stay off it. I am going to stick to my motto but I also acknowledge I am human and might fall off but for my better future I hope I do not.

Have you ever been in debt? How did you get out of it or planning to get out?